Pre-Retirement Informational Session - Hawaii · Pre-Retirement Informational Session This...
Transcript of Pre-Retirement Informational Session - Hawaii · Pre-Retirement Informational Session This...
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Pre-Retirement Informational Session
This presentation is a brief summary and does not constitute a legal document or contract and is subject to change.
Hawaii Employer-Union Health Benefits Trust Fund
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Pre-Retirement Presentation
Presentation slides and on-demand recordings are available on our website at eutf.hawaii.gov
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AGENDA
• Applying for Your Retiree Health Insurance Benefits
• Eligibility
• Medicare
• Premiums and Contribution
• Health Plan Options
• Completing the EC-2 Enrollment Form
• Required Documents
• Making Changes to Your Plans
• Questions
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New Retiree Enrollment
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New Retiree Enrollment
• File for retirement with ERS
• ERS Retirement EstimateLetter
• Years of Service• Membership Start Date*
Applying for Your Health Insurance Benefits
*Employees Retirement System (ERS) Membership Date
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Eligibility
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Retired employee• You do not need to be covered under an EUTF active employee plan at the
time of retirement to be eligible to enroll in the EUTF retiree plans
• If you return to work (State or County employment), you MUST inform EUTF
Spouse or partner (domestic or civil union)
Children by birth, adoption, legal guardianship or foster child• Children are covered until age 19 for medical, prescription drug, dental
and vision plans
• Covered until age 24 if unmarried and a full-time student
• Legal guardianship or foster children will terminate upon the age of 18, regardless of whether the child is a full-time student or not
• Coverage can be continued for an unmarried child incapable of self-support due to mental/physical incapacity that existed prior to age 19
Eligibility
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Eligibility
The surviving spouse, domestic or civil union partner of a deceased retired employee
• Provided the spouse or partner does not remarry or enter into another domestic or civil union partnership
The unmarried child of a deceased retired employee
• Provided the child is under age 19 or 24 if fulltime student with no surviving parent
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Dual Enrollment
• EUTF rules specify that if both you and your spouse/partner are employees and/or retirees of the State or counties, you can enroll in only one family or two-party plan, or two self plans.
• Children cannot be enrolled by more than one employee or retiree-beneficiary.
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Medicare
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MUST enroll in Medicare Part B when they become eligible in order to be enrolled in the EUTF retiree medical and/or prescription drug plan.
Retirees eligible for Medicare Part B
Covered dependents eligible for Medicare Part B
MUST also enroll in Medicare Part B when they become eligible, regardless of whether they are retired or actively employed, if enrolled in the EUTF retiree medical and/or prescription drug plan.
Mandatory Medicare Enrollment
YOU MUST PROVIDE THE EUTF WITH PROOF OF YOUR MEDICARE PART B ENROLLMENT WITHIN 60 DAYS OF BECOMING ELIGIBLE OR ENROLLING INTO AN EUTF RETIREE MEDICAL AND/OR DRUG PLAN. PLEASE SUBMIT A COPY
OF YOUR AND/OR YOUR DEPENDENT’S MEDICARE CARD.
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How do I enroll in Medicare Part B?
- Contact Social Security about enrolling into Medicare preferably three months prior to your 65th birthday or retirement date.
- If you are already retired EUTF will send a courtesy letter to retirees and their spouse/partner to enroll into Medicare Part B.
FAILURE TO PROVIDE PROOF OF MEDICARE PART B ENROLLMENT WILL RESULT IN YOU AND/OR YOUR DEPENDENT’S DISENROLLMENT FROM THE
EUTF MEDICAL AND/OR PRESCRIPTION DRUG PLAN
*You may be able to suspend your Medicare enrollment if you have creditable group sponsored coverage while employed. Please contact Social Security for more information.
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MedicareFederal Medicare Part B Premium Rates as of January 2020
If your yearly income in 2018 was…
File individual tax return File joint tax returnAmount you pay
per month in 2020
$87,000 or less $174,000 or less $144.60
above $87,000 up to $109,000 above $174,000 up to $218,000 $202.40
above $109,000 up to $136,000 above $218,000 up to $272,000 $289.20
above $136,000 up to $163,000 above $272,000 up to $326,000 $376.00
above $163,000 up to $500,000 above $326,000 up to $750,000 $462.70
above or equal to $500,000 above or to equal to $750,000 $491.60
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Medicare Part B Premium Social Security Administration Letter
Medicare
• Submit a copy of the Social Security Administration (SSA) letter or billing invoice indicating your Medicare Part B premium amount
• Medicare retirees and/or dependents that pay a higher income-related monthly adjusted premium must submit a copy of their SSA letter to the EUTF each year.
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MedicareMedicare Part B Reimbursement
• Premium reimbursement quarterly
• Direct deposited into retiree’s account
• Reimbursement will begin the later of:
• Effective date of Medicare Part B coverage
• 1st day of the month EUTF receives a copy of your Medicare Part B card, Social Security Administration Letter AND Direct Deposit Form
• Complete Direct Deposit Agreement form
• Checking account – Submit voided check
• Savings account – Form must be signed by your bank
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Medicare Part D
EUTF does not reimburse Medicare Part D premiums
• Medicare requires that you are enrolled in only oneMedicare Part D or Medicare Advantage Plan
• If in the future you enroll in another Medicare Part D plan, you will be disenrolled from EUTF’s Medicare Part D plans including the Kaiser medical plans.
EUTF Medicare plan options include:
• Medicare Part D prescription drug plan administered by SilverScript (CVS)
• EUTF Kaiser Permanente Senior Advantage Plan
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Medicare Part DSilverScript Prescription Drug Plan
• CVS Caremark will enroll Medicare-eligible retirees and/or their spouse/partner into Medicare Part D
• Enrollment approval takes approximately 45 days• Upon approval member will receive SilverScript prescription
drug plan ID card in the mail• Discard CVS Caremark prescription drug plan card and
present SilverScript ID card at the pharmacy when filling prescriptions
RXBIN:
RXPCN:
RXGRP:
ISSUER:
ID
NAME
610029
CRK
XXXXX
(80840)
123456
JOHN DOE
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Premiums and Contribution
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Active Plan Retiree Plan
As active employees, the
portion of health coverage
costs paid by the employer is
negotiated within the
collective bargaining process.
As a retired employee-
beneficiary, the portion of
health coverage costs paid by
the employer is determined
by law.
ContributionEmployer Contribution
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Maximum Allowable Single Two-Party Family
Non-Medicare $1,014.78 $2,045.42 $2,993.72
Medicare $722.90 $1,448.88 $2,110.26
2020 Base Monthly Contribution (BMC)
Base Monthly Contribution
• May be adjusted every January 1
• Based on Medicare Part B premium increase or decrease
Contribution
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Employer Contribution
The employer premium contribution is determined by statute and is based on
three factors:
• The employee’s (ERS) membership date
• Length of service - taking into account breaks in service
• Base Monthly Contribution (BMC)
(ERS) Membership
Date
Length of Service
Base Monthly Contribution
set by law
Contribution
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Employer Contribution Table
Years of Credited Service(excluding sick leave)
State’s Base Monthly ContributionIf Your (ERS) Membership Date was:
On or Before6/30/1996
On or Between 7/1/96 – 6/30/01
**On or After 7/1/2001(self only)
Less than 10 years 50% 0% 0%
10 yrs less than 15 100% 50% 50%
15 yrs less than 25 100% 75% 75%
25 yrs or more 100% 100% 100%
The employer’s contribution is equal to the lesser of the Base Monthly Contribution percentage and the actual premium.
**If your ERS Membership date is on or after 07/01/2001, the monthly employer-sponsored contribution will be calculated on the Base Monthly Contribution for a self rate ONLY. You may obtain coverage for eligible dependents but you will be responsible for the difference in
premium cost.
Contribution
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Employer Contribution – 100%
• You will probably pay nothing
Employer Contribution – 50% or 75%
• Complete Retiree Premium Worksheet
Employer Contribution – 0%
• You will pay the full premium amount
Contribution
Maximum Allowable Single Two-Party Family
Non-Medicare $1,014.78 $2,045.42 $2,993.72
Medicare $722.90 $1,448.88 $2,110.26
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Health Plan Premium example
Malia will be retiring December 1, 2020 and does not qualify for Medicare yet.
Malia’s ERS Retirement Estimate Letter shows:
• (ERS) Membership Date July 1, 1999• Total Earned Years of Service: 20 years
Malia selected the following coverages for herself:HMSA 90/10 $578.30CVS Caremark Drug Coverage $234.66HDS Dental $42.00VSP Vision $4.64Life Insurance $0.00
Hire Date: 7/01/99Earned Years of SVC: 20 yrs
$1,014.78X .75
$761.09
Non-Medicare total BMC amount $1,014.78
Total cost for plans selected
$859.60
$859.60- $761.08
Malia’s total monthly premium is $92.51
Premium
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Electronic Premium Payment Options
2. Deductions from bank account (ACH Payment)
3. ERS pension deduction
1. Credit card or electronic checkComplete online form (fees will apply)
For retirees who make monthly premium payments to the EUTF
ACH Deduction Authorization Agreement Form
ERS Pension Deduction Authorization Agreement Form (ERSD-001)
EUTF website: eutf.hawaii.gov
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Health Plan Options
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MedicalHMSA 90/10 PPO PlanKaiser HMO Medical Plan/ Senior Advantage Plan
Prescription DrugCVS Caremark & SilverScriptKaiser Prescription Drug
Dental & Vision Hawaii Dental ServiceVision Service Plan
Life Insurance Securian Financial
Retiree Health Plan Options
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HMSA
PPO – HMSA 90/10 Plan
*Deductible does not apply
If a retiree is enrolled in Medicare Parts A & B, he/she will likely pay no copayment since Medicare is primary and EUTF’s HMSA plan is secondary and will cover the member’s copayment.
Non-Medicare Medicare
Deductible$100 per person$300 per family
Primary Care Office Visit 10%*
Hospital 10%*
Diagnostic lab, X-ray 20%*
Maximum Out-of-Pocket $2,500/$7,500
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Kaiser Permanente
HMO – Kaiser Medical Plan
Non-Medicare Senior Advantage
Deductible None
Primary Care Office Visit $15
In-Patient Hospital Services No Charge
Diagnostic lab, X-ray $15 No Charge
Maximum Out-of-Pocket $2,000/$6,000
For the Kaiser plan, Medicare eligible retirees must enroll in the Kaiser Senior Advantage Plan, unless you live in Kaua’i, Moloka’i, Lana’i and parts of Hawai’i Island which include Pahala, Na’alehu, and Hawaii Volcanoes National Park.
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EUTF Prescription Drug Coverage
Non-Medicare Medicare
Prescription Drug Plan CVS Caremark Kaiser SilverScript Kaiser
Retail & Mail Prescription Program(30/60/90 day supply)
Participating Pharmacy(30/60/90 day supply for CVS Caremark;
30/90 day supply for Kaiser)Participating Pharmacy(30/60/90 day supply)
Generic$5/$10/$15 copayment
$15/$30 mail only $5/$10/$10copayment
$15/$30/$45copayment
Preferred Brand$15/$30/$45 copayment
$15/$30 mail only$15/$30/$30
copayment$15/$30/$45copayment
Non-preferred brand$30/$60/$90 copayment
$15/$30 mail only$30/$60/$60
copayment$15/$30/$45copayment
Specialty Drug
20% coinsurance
$250 max per fill
$2,000 annual max
$15/$30 mail-order
for eligible drugs
20% coinsurance
$250 max per fill
$2,000 annual max
$15/$30/$45copayment
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Other Plans
Chiropractic None
Dental
Diagnostic/Preventive 100%*
Other Services 60%
Plan Year Maximum
(per person)$2,000
Vision
Eye Exam $10 copay
Prescription Glasses
Lenses every year $25 copay
Frames every other year$120 allowance
Contacts $120 Allowance
Life Insurance $1,815
* Excluding periodontal maintenance
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Differences Between the EUTF Active and Retiree Benefits
• Limiting age
✓ Active plan – dependents covered up to age 26 for medical and prescription drug regardless of student, marriage and working status. Dependents covered up to age 24 for dental and vision if unmarried and a full-time student
✓ Retiree plan – dependents covered up to age 24 for medical, prescription drug, dental and vision if unmarried and a full-time student
• Prescription drug benefit – lower copayments under the CVS Caremark retiree prescription drug plans. Generic copayments equal to or lower under the Kaiser active plans but lower for brand and specialty prescription drugs under the Kaiser retiree plans. Please see the Active and Retiree Reference Guides at eutf.hawaii.gov.
• Chiropractic benefit – not offered under the retiree plans
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• Dental benefit
✓ Active plan –restorative (except crowns and gold restorations 60%), endodontics, periodontal (including maintenance), oral surgery and adjunctive general services are covered at 80%. Limited orthodontic benefit at 50%.
✓ Retiree plan – restorative (except crowns and gold restorations 60%), endodontics, periodontal (including maintenance), oral surgery and adjunctive general services are covered at 60%. No orthodontic benefit.
• Medicare Part B
✓ Active plan – eligible employees and dependents are not required to enroll in Medicare Part B.
✓ Retiree plan – eligible retirees and dependents (including disabled children) are required to enroll in Medicare Part B for coverage under the retiree medical and prescription drug plans. Retirees and spouses will be reimbursed for the Medicare Part B premiums. Non-spouse dependents are not reimbursed for the Medicare Part B premiums.
Differences Between the EUTF Active and Retiree Benefits
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Enrollment Procedures
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Enrollment Procedures
EC-2 enrollment forms are available on our website at eutf.hawaii.gov
Click
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Kealoha John K 555-12-3456
123 Aloha Lane
Kailua HI 96734
808 555-5555 808 555-1234 10 15 1953
02 14 1980
Jane Kealoha 555-45-6789 09 05 1952
XX
X
Complete Section 1: Retiree Data
12/31/2020
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X
Leave Section 2 Blank
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X
X
X
Complete Section 3: Plan Section
X
X
X
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X XXX XKealoha, Jane A 09/5/1952 555-45-6789 SP F
Proof Documents▪ Marriage/ Civil Union/ Domestic Partnership Documentation▪ Birth Certificate▪ Student Certification
Complete Section 4:Dependent Information and Plan Selection
Kealoha, John
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X
Jane Kealoha 555-45-6789A
Complete Section 5: Medicare
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Medical and Prescription Drug Jane KealohaHMSA
Complete Section 6: Other Insurance Information
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All documents must be received within 60 days of retirement in order to process your enrollment
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• Respond in writing using the corrective action form if there are any errors.
• Check premium costs if you owe a premium
• Keep for your records if everything is accurate
Confirmation Notice
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Required Documents
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• ERS Retirement Estimate Letter
Required Documents
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Required Documents
• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
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• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
• Copy of Medicare card
Required Documents
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• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
• Copy of Medicare card
• Direct Deposit Agreement Form
Required Documents
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• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
• Copy of Medicare card
• Direct Deposit Agreement Form
• Social Security Administration letter indicating Medicare Part B premium
Required Documents
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• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
• Copy of Medicare card
• Direct Deposit Agreement Form
• Social Security Administration letter indicating Medicare Part B premium
• EC-1 Form (Termination/COB)DOE must notify administration/principle
Required DocumentsAll documents must be received in order to process your enrollment,including the EC-1 form from employer to cancel your active plans.
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• ERS Retirement Estimate Letter
• EC-2 Enrollment form
- Must be received within 60days of your retirement
• Copy of Medicare card
• Direct Deposit Agreement Form
• Social Security Administration letter indicating Medicare Part B premium
• EC-1 Form (Termination/COB)
• COBRA will be sent to retirees previously on EUTF active plans
Required Documents
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Making Changes to your Plans
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Common Qualifying Life Events
Qualifying Life Events
• Marriage• Divorce• Death• Loss of Coverage• Acquisition of Coverage• Move out of the service area (Kaiser members)• Adding or Dropping Dependents
– Birth– Adoption or placement for adoption– Legal Guardianship, Foster Child*– No longer a full-time student
Please include all necessary proof documents.
Dependents are covered until age 19 if unmarried. Coverage may continue until age 24 if dependent is unmarried and a full-time student. *Legal Guardianship and Foster Children are covered until the age of majority, 18.
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Qualifying Life Events
• Complete EC-2 enrollment form
- Forms are available online at eutf.hawaii.gov
• Notify EUTF within 45 days of Qualifying Life Event
- Retirement – 60 days
- Birth – 180 days
• Submit proof documents within 45 days
- Do not wait for proof documents to submit EC-2 form
- Contact EUTF if proof documents will take longer than 45 days
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Open Enrollment
Plan Changes that can be made during Open Enrollment
• Add, remove, or change plans
• Add or remove dependents
New coverage and rates are effective January 1
Plan year is from January to December
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Pre-Retirement Presentation
Presentation slides and on-demand recordings are available on our website at eutf.hawaii.govCome to more than one pre-retirement session!
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Reference Guide
• Available at eutf.hawaii.gov
• Rates and contribution amounts
• Dependent eligibility criteria
• Health plan options
• EC-2 Enrollment form
• Direct Deposit Form
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Mahalo